Jump to content


Threat of bankruptcy from TBI and David Jones Solicitors


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3131 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Use this method to upload your files

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try http://www.pdfescape.com TO BLANK STUFF,

************************* ************************* ***********

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use http://www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

tbi are ex HFC staff as far as we think

 

who are the old debts with?

 

do they SHOW on your CRAfile?

 

see below

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

[ATTACH=CONFIG]43616[/ATTACH]

tbi are ex HFC staff as far as we think

 

who are the old debts with?

 

do they SHOW on your CRAfile?

 

see below

 

dx

 

Debts are 3 Barclaycards for sole trader companies. They don't show on my CRA file. I got the letter attached above as 1test.pdf

Edited by Soul Reaver
Link to post
Share on other sites

attach the pdf

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

seems they've had you on the phone?

well any admission that way is void

 

now

how old are these debts please

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

seems they've had you on the phone?

well any admission that way is void

 

now

how old are these debts please

 

dx

 

Yes I rang him (Mr Duggan) from Switzerland and explained to him I don't live in the UK. He asked me how I got his letter and I said that it's my mates address and my UK mobile phone is registered there (which is true) He then said if I dont pay or make an offer to pay they will make me bankrupt no matter where I live.

 

The debts defaulted in 2011 when I became unemployed. barclays then sold them to TBI I guess.

 

Can you be made bankrupt in the UK if you dont live in the UK? Whats the point of that?

 

Cheers..

Link to post
Share on other sites

are you ever returning?

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

are you ever returning?

dx

 

Hiya

 

Ever is a long time :) I can always return at anytime. I am currently unemployed in Switzerland claiming AHV benefits. Do you think I should send them that, to show that's my status?

 

I guess my main question is?.

 

1. If I ignore them and call their bluff and they DO proceed with bankruptcy can I halt that process once it's started with an offer to pay? Either a FFS or a monthly fee? Will the court proceed with a bankruptcy when you are agreeing to pay, even at the 11th hour?

 

2. If I make a FFS on a 11k debt what is my opening gambit? 10% 20%??

 

Cheers

Link to post
Share on other sites

if you are resident abroad they can do stuff all AFAIK!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

if you are resident abroad they can do stuff all AFAIK!!

 

dx

 

I think I should send him a copy of my Swiss work permit and my AHV status he should then realise I actually really do live abroad huh and back off.

 

Cheers

 

PS

Does the solicitor actually even exist or is it just the same guy at TBI pretending?

Link to post
Share on other sites

fake/tame dca one

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Does the solicitor actually even exist or is it just the same guy at TBI pretending?

 

fake/tame DCA one

 

dx

 

 

 

:)

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

bloke at the next desk to the letter from the last guy

 

just that he is wearing a diffcoloured skirt.

 

VERY rarely are DCA solicitors 'real' ones

most are just a bloke that pops into the dca's bedroom

once a month to make sure the photocopied letter head has not worn out

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

bloke at the next desk to the letter from the last guy

 

just that he is wearing a diffcoloured skirt.

 

VERY rarely are DCA solicitors 'real' ones

most are just a bloke that pops into the dca's bedroom

once a month to make sure the photocopied letter head has not worn out

 

dx

 

 

Ahhhh.

 

So do you think I should just email him a copy of my Swiss work permit so he knows its waste of time pursuing me UK side.

 

Also do you know if you can halt a bankruptcy once its started?

 

And what should I offer for FFS on 11k? 10%?

 

Cheers

Link to post
Share on other sites

imho I would ignore them

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

imho I would ignore them

 

dx

 

I tend to agree but then I need to know if I do that and they DO proceed with a statutary demand or whatever it's called can I halt that process even at the last moment with an offer to pay?

 

Cheers

Link to post
Share on other sites

you are not in the country

 

they cannot start any such proceedings

 

if you want to tell them that do so.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Yep. To start any action like they describe, YOU need to be resident in England or wales. They ONLY way they could get around it is if they lied to the court and issued forms at another address. This wouldnt be wise for them at all.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...